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DSP Regular Savings Fund

Benchmark: CRISIL Hybrid 85+15 - Conservati…

19.97K people have invested in this fund

LumpsumMonthly SIPView performance details

Return:

Annualized

Absolute

This fund

18.00%

CRISIL Hybrid 85+15 - Conservati…

14.30%

CRISIL 10 Year Gilt Index

14.15%

team 19.97K people have invested in this fund as of

This is a Hybrid, Conservative Hybrid fund with CRISIL Hybrid 85+15 - Conservative Index as its benchmark. The risk level for this fund is categorized as Moderately High Risk.

Total AUM

₹180.31 crores as of Nov 30, 2024

Age of Fund

11 years 11 months since Jan 01, 2013

Expense Ratio

0.5% as of Dec 13, 2024

Exit Load

NIL

Ideal holding period

3 Years+

Holdings

as of Nov 30, 2024

HDFC Bank Limited

3.05%

ICICI Bank Limited

2.32%

Mahindra & Mahindra Limited

1.33%

Bajaj Finance Limited

1.25%

ITC Limited

1.20%

SBI Life Insurance Company Limited

1.18%

Kotak Mahindra Bank Limited

1.10%

See all 30 holdings

Rolling Returns

Bars show distribution of returns in given range for selected time period.

View performance details

Things to know before you invest

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What is in DSP Regular Savings Fund?

DSP Regular Savings fund invests in a mix of debt & equity instruments.
The larger debt component (75%+) aims to lower the impact of market fluctuations, while the equity allocation (<25%) aims to boost returns.
The debt portion is mostly in highly rated debt instruments with shorter term maturity profiles while the equity portion is well-diversified across multiple sectors & different-sized companies.

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Why should one invest in DSP Regular Savings Fund?

Offers the potential to earn steady income from a primarily debt-oriented portfolio with a little 'boost' of equity.
Earn potentially higher returns as against investing in pure debt funds.
Potential capital preservation during falling markets due to the larger debt allocation.
Suitable for conservative investors.
Can be used by investors for doing STP into Equity Funds.

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Who should invest in DSP Regular Savings Fund?

Consider this fund if you
- Are looking to generate a steady potential income & are okay not chasing high returns.
- Want the smoother investment journey associated with debt investing but with a (possibly) higher return profile than debt .
- Are conservative and don't like to take too much risk.

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Rethink before you invest

Regular Savings Fund carries Moderate Risk.
The debt allocation in the portfolio does not remove risks arising from falling markets altogether, it aims to reduce it.
Debt allocation also exposes fund to interest rate risk.

Fund managers:

Abhishek Singh

Total work experience of 18 years. Managing this fund since May 2021.

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Total work experience of 18 years. Managing this fund since May 2021.

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arrow_forwardSee his investing philosophy

Shantanu Godambe

Total work experience of 17 years. Managing this fund since August 2024.

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Total work experience of 17 years. Managing this fund since August 2024.

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Abhishek has a total work experience of over 14 years.He joined DSP Investment Managers in January 2021 as Assistant Vice President in the Equity Team Abhishek has worked with Kotak Mahindra Group and Edelweiss in the past.He is an Electrical Engineer (IIT, Kanpur) and has a Post Graduate Diploma in Management from IIM, Lucknow.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Shantanu has a total work experience of Over 16 years. He joined DSP Asset Managers in March 2023 as Vice President in Fixed Income Team. Shantanu has also worked with Yes Bank Ltd as a Rates Trader. He has cleared CFA from CFA Institute, MS (Finance) from ICFAI University and B.Com from Mumbai University.

Sr. No.	Scheme Name	Managing since	Period
Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Sr. No.

Scheme Name

Managing since

Period

1 Years

3 Years

5 Years

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Scheme return (%)

Benchmark return (%)

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of regular plan.

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Portfolio

Prescribed asset allocation: 75% - 90% *Debt and Money Market Securities , 10% - 25% Equity & equity related instruments , 0% - 10% Units of REITs & InvITs
*Debt securities may include securitised debts upto 50% of the net assets

Current Allocation

as of Nov 30, 2024

Equity 21.93%
Debt / cash 77.47%

Equity
Debt / Cash

Top holdings

HDFC Bank Limited

3.05%

ICICI Bank Limited

2.32%

Mahindra & Mahindra Limited

1.33%

Bajaj Finance Limited

1.25%

ITC Limited

1.20%

Allocation by Market Cap

Large Cap

77.80%

Small Cap

15.90%

Mid Cap

6.30%

Top Sectors

Banks

7.37%

Pharmaceuticals & Biotechnology

2.32%

Finance

1.94%

Automobiles

1.69%

Insurance

1.34%

See all 30 holdings

Top holdings

No Data to display

Top holdings

7.32% GOI 2030

12.58%

7.02% GOI 2031

8.69%

Power Grid Corporation of India Limited

6.02%

REC Limited

5.83%

Indian Oil Corporation Limited

5.79%

Cash & cash equivalents

0.60%

Credit rating profile

SOV

56.40%

CRISIL AAA

40.00%

Cash & Equivalent

3.20%

Uncategorized

0.40%

Instrument break-up

Government Securities (Central/State)

56.10%

Bonds & NCDs

40.30%

TREPS

3.30%

Mutual-funds

0.40%

See all 20 holdings

Indicators

Yield to Maturity

7.08 %

Modified Duration

2.48 Years

Portfolio Macaulay Duration

2.57 Years

Average Maturity

3.07 Years

Compare Performance

Performance highlights over last

for

investment

Cumulative returns on

Annual returns

Current value

Min CAGR:

MedianCAGR:

Max CAGR:

Good Returns

Negative Returns

vs Category

vs Benchmark

Historical Returnsas of with investment of₹10,000
As per SEBI format
As per IDCW history

	This fund		CRISIL Hybrid 85+15 - Conserva… ^{^}		CRISIL 10 Year Gilt In… ^#
	CAGR	Current Value	CAGR	Current Value	CAGR	Current Value

Income distribution Cum Capital Withdrawal (IDCW) Distributed

Record Date	IDCW per unit	NAV Before	NAV After

Chart type

Graph viewTable view

Invested as

Invested Amount

₹

Invested since

This fund

CRISIL Hybrid 85+15 - …

CRISIL 10 Year Gilt In…

Gold

PPF

	Funds	Annual returns	Current Value	Absolute Growth	IDCW paid

Chart type:

Returns RangesStatistics

Invested Amount

₹

Invested period

Funds	Minimum	Median	Maximum	% times -ve returns	% times returns > 7%

Date of allotment: Jan 01, 2013.

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of Direct Plan.

Since inception returns have been calculated from the date of allotment till June 30, 2021

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Rolling returns have been calculated based on returns from regular plan growth option.

^ Fund Benchmark # Additional Benchmark

Scheme disclaimers

Fund Details

Investment Objective

The primary Investment objective of the scheme is to seek to generate income, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The Scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of issuers domiciled in India.
There is no assurance that the investment objective of the Scheme will be realized

Fund Type

Hybrid

Conservative Hybrid Fund

An open ended hybrid scheme investing predominantly in debt instruments

Riskometer

Level of Risk in the fund

View details

Minimum Investment

Rs. 100 Lumpsum
Rs. 100 SIP– 12 instalments
Rs. 100 Minimum Additional Purchase

Fund Documents

Fund presentation

KIM and Applications

19.97K peoplehave invested in this fund as of

7.37%

Name	% of Net Assets
HDFC Bank Limited	3.05%
ICICI Bank Limited	2.32%
Kotak Mahindra Bank Limited	1.10%
Axis Bank Limited	0.90%

2.32%

Name	% of Net Assets
Cipla Limited	0.77%
Alembic Pharmaceuticals Limited	0.69%
Suven Pharmaceuticals Limited	0.46%
Sun Pharmaceutical Industries Limited	0.22%
IPCA Laboratories Limited	0.18%

1.94%

Name	% of Net Assets
Bajaj Finance Limited	1.25%
Power Finance Corporation Limited	0.43%
SBI Cards and Payment Services Limited	0.26%

1.69%

Name	% of Net Assets
Mahindra & Mahindra Limited	1.33%
Hero MotoCorp Limited	0.36%

1.34%

Name	% of Net Assets
SBI Life Insurance Company Limited	1.18%
ICICI Lombard General Insurance Company Limited	0.16%

1.20%

Name	% of Net Assets
ITC Limited	1.20%

1.18%

Name	% of Net Assets
HCL Technologies Limited	0.45%
Infosys Limited	0.38%
Tech Mahindra Limited	0.35%

1.00%

Name	% of Net Assets
Jubilant Ingrevia Limited	1.00%

0.91%

Name	% of Net Assets
La Opala RG Limited	0.49%
Indigo Paints Limited	0.42%

0.63%

Name	% of Net Assets
Samvardhana Motherson International Limited	0.63%

0.63%

Name	% of Net Assets
NTPC Limited	0.63%

0.49%

Name	% of Net Assets
Oil & Natural Gas Corporation Limited	0.49%

0.44%

Name	% of Net Assets
Indus Towers Limited	0.44%

0.44%

Name	% of Net Assets
Teamlease Services Limited	0.44%

0.30%

Name	% of Net Assets
Godrej Industries Limited	0.30%

0.05%

Name	% of Net Assets
Petronet LNG Limited	0.05%

43.43%

Name	% of Net Assets
7.32% GOI 2030	12.58%
7.02% GOI 2031	8.69%
7.10% GOI 2029	5.67%
7.06% GOI 2028	5.66%
7.10% GOI 2034	2.86%
7.37% GOI 2028	2.86%
5.74% GOI 2026	2.73%
5.63% GOI 2026	1.63%
7.38% GOI 2027	0.58%
7.83% Gujarat SDL 2026	0.17%

56.1% of Debt instruments

31.21%

Name	% of Net Assets
Power Grid Corporation of India Limited	6.02%
REC Limited	5.83%
Indian Oil Corporation Limited	5.79%
Power Finance Corporation Limited	4.24%
Export-Import Bank of India	2.96%
National Bank for Agriculture and Rural Development	2.93%
HDFC Bank Limited	2.93%
NTPC Limited	0.51%

40.3% of Debt instruments

2.54%

Name	% of Net Assets
TREPS / Reverse Repo Investments	2.54%

3.3% of Debt instruments

0.29%

Name	% of Net Assets
SBI Funds Management Pvt Ltd/Fund Parent	0.29%

0.4% of Debt instruments

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in fund's income distribution cum capital withdrawal (IDCW) plans.
Performance is always compared against the latest benchmark of the fund irrespective of the date of change of fund's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.
Past performance may or may not sustain in future and should not be used as a basis for comparison with other investments. There is no assurance of any returns/capital protection/capital guarantee to the investors in any scheme of DSP Mutual Fund.
The sector(s)/stock(s)/issuer(s) mentioned in this document do not constitute any recommendation of the same and the Fund may or may not have any future position in these sector(s)/stock(s)/issuer(s).
The investment approach / framework/ strategy / portfolio / other data mentioned herein are dated and currently followed by the scheme and the same may change in future depending on market conditions and other factors.
The SIP returns are calculated by XIRR approach assuming investment of Rs. 10,000/- on the 1st working day of every month. XIRR helps in calculating return on investments given an initial and final value and a series of cash infows and outflows with the correct allowance for the time impact of the transactions. Load is not taken into consideration for computation of performance.

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DSP Regular Savings Fund

DSP Regular Savings Fund

This is a Hybrid, Conservative Hybrid fund with CRISIL Hybrid 85+15 - Conservative Index as its benchmark. The risk level for this fund is categorized as Moderately High Risk.

Things to know before you invest

What is in DSP Regular Savings Fund?

Why should one invest in DSP Regular Savings Fund?

Who should invest in DSP Regular Savings Fund?

Rethink before you invest

Fund managers:

Portfolio

Current Allocation

Indicators

Compare Performance

Invested Amount

Invested Amount

Fund Details

Fund Details

Investment Objective

Fund Type

Riskometer

Minimum Investment

Fund Documents

Products Offered

Product Information

For Investors

Other Information

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DSP Regular Savings Fund

DSP Regular Savings Fund

This is a Hybrid, Conservative Hybrid fund with CRISIL Hybrid 85+15 - Conservative Index as its benchmark. The risk level for this fund is categorized as Moderately High Risk.

Things to know before you invest

What is in DSP Regular Savings Fund?

Why should one invest in DSP Regular Savings Fund?

Who should invest in DSP Regular Savings Fund?

Rethink before you invest

Fund managers:

Portfolio

Current Allocation

Indicators

Compare Performance

Invested Amount

Invested Amount

Fund Details

Fund Details

Investment Objective

Fund Type

Riskometer

Minimum Investment

Fund Documents

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